FHA Vs. USDA loan program for LaFayette, Onondaga County, New York

In 2026, the USDA loan limit for LaFayette, in the county of Onondaga, NY, is set at $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Employ the Lendersa® USDA loan calculator to evaluate and compare the top USDA versus FHA rates today, identifying the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best option for your financial needs in .

USDA and FHA Loan Options in LaFayette, NY

Lendersa® aims to quickly get you the best USDA or FHA loan options, hassle-free. Choose one of three starting points to connect with lenders that fit the USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in NY

A USDA home loan is backed by the U.S. Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is specifically available in rural areas. Unlike FHA loans that require a 3.5% down payment minimum, USDA mortgages do not require any down payment.

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(585) 768-7207 Lender's profile and map Reviews LeRoy Federal Credit Union 7093 West Main Road, Le Roy, NY, 14482 LeRoy Federal Credit Union has been open since 1958. The credit union has assets totaling $18.46 Million and provides banking services to more than 2, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
(888) 556-4029 Lender's profile and map Reviews United Financial Insurance Group, LLC. 2061 W. La Plume Rd, La Plume, PA, 18440 United Financial Insurance Group, LLC. is a national real estate capital services company and an originator of commercial real estate debt and equity transactions. We combine in-depth market expertise, passion for our work, and a willingness to break new ground to provide our clients with the ultimate customer experience.
(315) 287-2600 Lender's profile and map Reviews Gouverneur Savings and Loan Association 20 John Street, Gouverneur, NY, 13642 It is our mission to invest in, support and nurture the communities we serve. We will endeavor to be a supportive financial partner and we shall provide a close, personal and confidential relationship for each of our customers consistent with safe banking practices. It is our mission to provide a challenging and rewarding environment for our staff.
(570) 836-3227 Lender's profile and map Reviews P&G Mehoopany Employees Federal Credit Union 15 Lane Hill Road, Tunkhannock, PA, 18657 P&G Mehoopany Employees Federal Credit Union is a not-for-profit cooperative financial institution that is owned and controlled by the members. The Credit Union is not-for-profit, not for charity but for service. The Credit Union provides many of the same products and services as other financial institutions.
(800) 598-5002 Lender's profile and map Reviews Wayne Bank 717 Main Street, Honesdale, PA, 18431 Founded in 1871 in Honesdale, PA, Wayne Bank has 26 community offices serving Northeast Pennsylvania, along with Delaware and Sullivan Counties in New York State. Wayne Bank also operates offices as Bank of the Finger Lakes and Bank of Cooperstown in Ontario, Seneca, Yates, and Otsego Counties in New York State.
(570) 253-1970 Lender's profile and map Reviews The Dime Bank 820 Church Street, Honesdale, PA, 18431 At The Dime Bank, we believe in relationships. With offices in Honesdale, Hawley (downtown and the lake region), Damascus, Greentown, Dingmans Ferry, and Carbondale, we strive to be our communities’ total financial partner. We have been helping generations of customers in Northeastern Pennsylvania realize their goals and dreams by meeting their fin
(800) 462-9515 Lender's profile and map Reviews Honesdale National Bank 724 Main Street, Honesdale, PA, 18431 Founded in 1836, The Honesdale National Bank is the oldest, locally-owned, community bank headquartered in Northeastern PA with offices in Wayne, Pike, Susquehanna, Lackawanna, & Luzerne counties. Visit www.hnbbank.bank/about/convenient-locations/ for locations & hours. HNB offers full-service personal & business banking and safe deposit boxes.
(518) 370-7200 Lender's profile and map Reviews First National Bank of Scotia 201 Mohawk Avenue, Scotia, NY, 12302 At 1st National Bank of Scotia, we rely on our decades of experience both inside and outside the banking industry to help provide our loyal customers with the products and services to fit their needs. Our Board of Directors truly care about providing for our customers and our communities today, tomorrow, and well into the future.
(570) 587-0655 Lender's profile and map Reviews Citizens Savings Bank 500 South State Street, Clarks Summit, PA, 18411 Citizens Savings Bank is a local community bank that has been serving Northeastern PA for over 100 years. We have 7 locations and offer 24/7 online services such as mobile banking with mobile check deposit & online banking and bill pay. Customers can easily open an account or apply for a loan online.
(570) 319-1795 Lender's profile and map Reviews Hemisphere Home Loans 421 Northern Boulevard South, Abington Township, PA, 18411 Hemisphere Home Loans is licensed by the Pennsylvania Department of Banking & Securities. We have been helping homeowners achieve their goals since 1999. We take pride in providing a professional yet personal experience for each and every borrower steve has been in the mortgage industry for over 25 years and takes pride in helping each borrower.
(518) 374-3830 Lender's profile and map Reviews Schenectady County Federal Credit Union 388 Broadway, Schenectady, NY, 12305 Schenectady County Employees’ Federal Credit Union was created in 1964, by the Employees’ of Schenectady County. As your Credit Union, we are proud to have to continue to serve our community for more than 50 years for which it was intended to do with the philosophy of “People helping People”.
(877) 882-5782 Lender's profile and map Reviews Five Star Bank 220 Liberty Street, Warsaw, NY, 14569 We provide our customers a dedicated team of over 600 employees who work together in an environment of trust, integrity, and mutual respect. Our customers are at the heart of our organization, where every interaction is an opportunity for us to deliver a friendly, professional, relationship building experience.